Why is an examination of the insured permitted according to the Physical exam and autopsy provision?

An examination of the insured is permitted according to the Physical Exam and Autopsy provision primarily to gather additional information while a claim is still pending. This provision allows the insurer to request a physical examination of the insured to confirm the validity and extent of the claimed health issue. It serves the purpose of ensuring that claims are valid and that the insurance company can appropriately assess the situation based on current health conditions.

This examination may involve reviewing medical history or performing a physical examination to determine the legitimacy of the claim. It is a protective measure for insurers to prevent fraud and ensure that benefits are only paid for conditions that are indeed covered under the policy.

In the context of other options, while examinations may indeed be relevant for reassessing premium rates, evaluating ongoing health issues, or for underwriting purposes, these scenarios are not the specific focus of the Physical Exam and Autopsy provision, which is centered around the claims process and verification during that phase.